(text-colour:white)+(text-style:"bold","emboss","expand",)[Welcome]
(live: 3s)[(t8n:"dissolve")[You will play in a simulator in order to understand that there are many aspects to that can affect one's credit](stop:)]
(live: 5s)[(t8n:"dissolve")[You will make the choices of how they live.] (stop:)]
(live: 7s)[(t8n:"dissolve")["Now what", you may ask](stop:)]
(live: 9s)[(t8n:"dissolve")[you will Click below to see which lifestyle you get](stop:)]
(live: 11s)[(t8n:"dissolve")[But one more thing](stop:)]
(live: 13s)[(t8n:"dissolve")[Here's what you'll need to know in order to progress finacially.](stop:)]
[(click-goto:?Page, "bruh")]
(live: 1s)[(t8n:"dissolve")[1. Not all lives are the same. Not all will offer great options as you think they might.](stop:)]
[(live: 4s)[(t8n:"dissolve")[2. You will have to make the] [(text-colour:#76ff7a)+(t8n:"dissolve")[RIGHT] (t8n:"dissolve")[decision in order to gain back your credit. The worse you do the lower it will get.](stop:)]]]
[(live: 7s)[(t8n:"dissolve")[3. Not all of them have a right answer. You will have to make] [(text-colour:#FFFF00)+(t8n:"dissolve")[Sacrifices] (t8n:"dissolve")[here and there.](stop:)]]]
(live: 11s)[(t8n:"dissolve")[I think that's it for now](stop:)]
(live: 14s)[(t8n:"dissolve")[This isn't a game.](stop:)]
(live: 16s)[(t8n:"dissolve")[It's Reality.](stop:)]
(live: 18s)[(t8n:"dissolve")[This is](stop:)] [(live: 20s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"THE SCORE",(either: "Person 1", "Person 2", "Person 3", "Person 4"))(stop:)]]](align:"=><=")+(box:"X")+(live: 2s)[(t8n:"dissolve")[Your name is (either: "Brendan Daniel", "Francisque Alexis", "Eduard Franck", "Connor Jonas")(stop:)]]
(live: 3s)[(t8n:"dissolve")[You are a middle-aged CAUCASIAN male(stop:)]]
(live: 4s)[(t8n:"dissolve")[You already have a steady lifestyle with currently 33 years of credit build up. (stop:)]]
(live: 5s)[(t8n:"dissolve")[You live in a small house in Charles Town, West Virginia. (stop:)]]
[(live: 6s)[(t8n:"dissolve")[You just bought a car for] [(text-colour:#FFFF00)+(t8n:"dissolve")[ $45,000] (t8n:"dissolve")[ since transit has become a little more expensive due to your new job.](stop:)]]]
(live: 7s)[(t8n:"dissolve")[Your brand new car has a broken transmission that will cost $2,500 to fix. You can... (stop:)]]
[(live: 8s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Sue the dealer who sold you the car for selling you a faulty vehicle")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 9s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 10s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Pay it with the savings you have")(stop:)]]](align:"=><=")+(box:"X")+(live: 2s)[(t8n:"dissolve")[Your name is (either: "Sebastián Luciano", "Pánfilo Celino", "Pancho Teo", "Lorenzo Arturo")(stop:)]]
(live: 3s)[(t8n:"dissolve")[You are of Hispanic descent, and you live as a young adult in Dallas, Texas(stop:)]]
(live: 4s)[(t8n:"dissolve")[You live in a studio, but lately you've been applying for too many credit cards and loans in a short period of time. At the same time your paying you're loan bills too late.(stop:)]]
(live: 5s)[(t8n:"dissolve")[You decide that you have some money in your account, so you want to...(stop:)]]
[(live: 6s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Invest with it")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 7s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 8s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Spend it on clothes")(stop:)]]](align:"=><=")+(box:"X")+(live: 2s)[(t8n:"dissolve")[Your name is (either: "Toshiko Airi", "Miu Lian", "Aliyya Minakshi", "Sabriyya Chie")(stop:)]]
(live: 3s)[(t8n:"dissolve")[You are of Asian descent, and you live as an older mom with 2 children, aged 2 and 3 in Santa Cruz, California.(stop:)]]
(live: 4s)[(t8n:"dissolve")[You live in a middle sized home, but you struggle to keep food on the table, and at the same time you still have card debt that has yet to be paid off.(stop:)]]
(live: 5s)[(t8n:"dissolve")[Your children's daycare cost just went up but you can’t pay more than you already are without missing a credit card payment. Do you...(stop:)]]
[(live: 6s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Miss this months credit card payment")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 7s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 8s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Withdraw a payday loan")(stop:)]]](live: 2s)[(t8n:"dissolve")[Your name is (either: "Fatoumata Farai", "Nia Atieno", "Nasira Anisa", "Jamillah Rawiya", "Nyah Kirabo")(stop:)]]
(live: 3s)[(t8n:"dissolve")[You are of African descent, and you live as a black young adult in NYC, specifically the Bronx.(stop:)]]
(live: 4s)[(t8n:"dissolve")[You live in a decent apartment, but you just came out of college, so you still have student loans to pay off.(stop:)]]
(live: 5s)[(t8n:"dissolve")[You decide that you have some money in your account, so you want to...(stop:)]]
[(live: 6s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Invest with it")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 7s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 8s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Spend it on clothes")(stop:)]]][You spend the money on clothing]
[(live: 1s)[(t8n:"dissolve")[You lose] [(text-colour:red)+(t8n:"dissolve")[$200] (t8n:"dissolve")[spending it on something unnecessary at the moment](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[(css: "font-size: 130%;")[671⇩](stop:)]]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
Spending money on clothes is a loss of money while investing in things like stocks can allow you to make even more money
[(click-goto:?Page, "P1 Pt 2")][You put in $2,000 to invest]
[(live: 1s)[(t8n:"dissolve")[After 5 years you earn] [(text-colour:#76ff7a)+(t8n:"dissolve")[$40,000](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[682⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
Spending money on clothes is a loss of money while investing in things like stocks can allow you to make even more money
[(click-goto:?Page,"P1 Pt 2")][You take out a payday loan]
[(live: 1s)[(t8n:"dissolve")[You avoid going into debt consolidation worth] [(text-colour:#76ff7a)+(t8n:"dissolve")[$500](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[689⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
12 million Americans take out payday loans yearly in place of missing a payment which causes them to fall into an endless cycle of debt
[(click-goto:?Page, "P1 Pt 3")][You decide to ask them for collateral so they are in a secured debt ]
(live: 1s)[(t8n:"dissolve")[This gave you the authority to make sure that they] [(text-colour:#76ff7a)+(t8n:"dissolve")[paid back their dues. ](stop:)]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[694⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
Secured debt ties assets as collateral allowing them to be repossessed if there is a failure to make payments. Having an unsecured debt would mean missing payments has no consequence.
[(click-goto:?Page,"P1 PT4")]
[You decide to sue the dealer who sold you the car for selling you a faulty vehicle]
[(live: 1s)[(t8n:"dissolve")[You end up getting sued for a frivolous lawsuit with a worth of ][(text-colour:red)+(t8n:"dissolve")[$15,000](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[729⇩](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh No...]
A frivolous lawsuit defendant has the right to sue the plaintiff for malicious prosecution. A malicious prosecution claim is a tort case, and damages include the costs of defending against the frivolous complaint. [(click-goto:?Page, "P2 Pt2")][You decide to pay it with the savings you have]
[(live: 1s)[(t8n:"dissolve")[You lose $2,500, but you are able to avoid a] [(text-colour:red)+(t8n:"dissolve")[frivolous lawsuit](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[740⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[The double-edge sword...]
A frivolous lawsuit defendant has the right to sue the plaintiff for malicious prosecution. A malicious prosecution claim is a tort case, and damages include the costs of defending against the frivolous complaint.
[(click-goto:?Page, "P2 Pt2")][You decide to miss this month's payment]
[(live: 1s)[(t8n:"dissolve")[You grow into a bigger debt of] [(text-colour:red)+(t8n:"dissolve")[$800](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[739⇩](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
12 million Americans take out payday loans yearly in place of missing a payment which causes them to fall into an endless cycle of debt
[(click-goto:?Page, "P3 Pt 2")][You withdraw a payday loan]
[(live: 1s)[(t8n:"dissolve")[You avoid going into debt consolidation worth] [(text-colour:#76ff7a)+(t8n:"dissolve")[$500](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[751⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
12 million Americans take out payday loans yearly in place of missing a payment which causes them to fall into an endless cycle of debt
[(click-goto:?Page, "P3 Pt 2")][You decide to draw out a payday loan]
[(live: 1s)[(t8n:"dissolve")[You avoid going into debt consolidation worth] [(text-colour:#76ff7a)+(t8n:"dissolve")[$500](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[718⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
12 million Americans take out payday loans yearly in place of making lifestyle changes which causes them to fall into an endless cycle of debt
[(click-goto:?Page, "P4 Pt 2")][(live: 1s)[(t8n:"dissolve")[You attempt to find a cheaper place to live, but due to ] [(text-colour:red)+(t8n:"dissolve")[poor credit] (t8n:"dissolve")[ you were denied](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[695⇩](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
12 million Americans take out payday loans yearly in place of making lifestyle changes which causes them to fall into an endless cycle of debt
[(click-goto:?Page, "P4 Pt 2")][You decide to miss this month's payment]
[(live: 1s)[(t8n:"dissolve")[You grow into a bigger debt of] [(text-colour:red)+(t8n:"dissolve")[$800](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[(css: "font-size: 130%;")[663⇩](stop:)]]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
12 million Americans take out payday loans yearly in place of missing a payment which causes them to fall into an endless cycle of debt
[(click-goto:?Page, "P1 Pt 3")][You decide to let them have an unsecured debt with no collateral]
[(live: 1s)[(t8n:"dissolve")[Over time they] [(text-colour:red)+(t8n:"dissolve")["forget"] (t8n:"dissolve")[ to pay you back, yet you start to think that you will never get repaid. (Sadly, you never do)](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[(css: "font-size: 130%;")[658⇩](stop:)]]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
Secured debt ties assets as collateral allowing them to be repossessed if there is a failure to make payments. Having an unsecured debt would mean missing payments has no consequence.
[(click-goto:?Page, "P1 PT4")][You change your cars monthly payment plan]
[(live: 1s)[(t8n:"dissolve")[You choose to decrease the monthly payment, which makes it ] [(text-colour:#76ff7a)+(t8n:"dissolve")[easier](t8n:"dissolve")[ on you to pay off other dues](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[748⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
A lot of people struggle with finding jobs in today's economy so changing a monthly payment plan so it's more affordable even if it may put them in debt is often their best choice
[(click-goto:?Page, "P2 Pt 3")][You decide to quit your job and find a new one that pays more]
[(live: 1s)[(t8n:"dissolve")[You were unable to find a new job that had better pay, leaving you with ] [(text-colour:red)+(t8n:"dissolve")[more debt](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[723⇩](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
A lot of people struggle with finding jobs in today's economy so changing a monthly payment plan so it's more affordable even if it may put them in debt is often their best choice
[(click-goto:?Page, "P2 Pt 3")][You leave your car out of commission]
[(live: 1s)[(t8n:"dissolve")[You ] [(text-colour:red)+(t8n:"dissolve")[abandon] (t8n:"dissolve")[ your vehicle. Over time you were unable pay for the repairs or sell it](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[716⇩](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
It is statistically proven that people who come from generational wealth have less of a problem asking their family for help and don't feel ashamed to as much as people from low income families who'd not ask for money and leave their car out of commission.
[(click-goto:?Page, "P2 PT4")][You ask your family for the money you need to pay]
[(live: 1s)[(t8n:"dissolve")[They ] [(text-colour:#76ff7a)+(t8n:"dissolve")[gladly offer ](t8n:"dissolve")[you the money for the repairs](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[755⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
It is statistically proven that people who come from generational wealth have less of a problem asking their family for help and don't feel ashamed to as much as people from low income families who'd not ask for money and leave their car out of commission.
[(click-goto:?Page, "P2 PT4")][You decide to use it to renew a payday loan you use for groceries]
[(live: 1s)[(t8n:"dissolve")[You grow into a bigger debt of] [(text-colour:red)+(t8n:"dissolve")[$375](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[732⇩](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
Payday loans have caused millions of Americans to fall into an endless cycle of debt and aren't the greatest option. But investing in things like stocks can allow you to make even more money
[(click-goto:?Page,"P3 Pt3")][You put in $2,000 to invest]
[(live: 1s)[(t8n:"dissolve")[After 5 years you earn] [(text-colour:#76ff7a)+(t8n:"dissolve")[$53,000](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[759⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
Payday loans have caused millions of Americans to fall into an endless cycle of debt and aren't the greatest option. But investing in things like stocks can allow you to make even more money
[(click-goto:?Page, "P3 Pt3")][You decide to keep the fixed rate you have right now ]
[(live: 1s)[(t8n:"dissolve")[You still pay the same amount every month, keeping you from paying ] [(text-colour:#76ff7a)+(t8n:"dissolve")[high rates](t8n:"dissolve")[ at times](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[764⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
Keeping a fixed rate allows you to pay the same amount continuously however refinancing to a variable rate would destroy the purpose of possibly refinancing to pay less because your interest rate can skyrocket or drop depending on the economy and government
[(click-goto:?Page,"P3 Pt4")][You refinance to a variable-rate]
[(live: 1s)[(t8n:"dissolve")[Your rate increases by ] [(text-colour:red)+(t8n:"dissolve")[15%] (t8n:"dissolve")[, making you pay extra that you cannot afford](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[723⇩](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
Keeping a fixed rate allows you to pay the same amount continuously however refinancing to a variable rate would destroy the purpose of possibly refinancing to pay less because your interest rate can skyrocket or drop depending on the economy and government
[(click-goto:?Page, "P3 Pt4")][You use a family member/friends laptop or smartphone]
[(live: 1s)[(t8n:"dissolve")[They offer to allow you to use their device for your needs. ] [(text-colour:#76ff7a)+(t8n:"dissolve")[Saves](t8n:"dissolve")[ you a lot of money in the long run.](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[725⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
Most people who struggle financially prefer going into debt by making risky purchases or taking out loans instead of asking family/friends for help because they feel ashamed
[(click-goto:?Page, "P4 Pt 3")][You use your money to buy a brand new smartphone or laptop]
[(live: 1s)[(t8n:"dissolve")[Even though you have a personal device, you could've saved money by ] [(text-colour:red)+(t8n:"dissolve")[borrowing](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[691⇩](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
Most people who struggle financially prefer going into debt by making risky purchases or taking out loans instead of asking family/friends for help because they feel ashamed
[(click-goto:?Page, "P4 Pt 3")][You save up money to open a bank account in the future]
[(live: 1s)[(t8n:"dissolve")[Even though you though you saved up enough for a bank account, you ] [(text-colour:red)+(t8n:"dissolve")[struggle ] (t8n:"dissolve")[to pay the fees](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[683⇩](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
3.5 million out of 7.1 million Unbanked households in the US don't have enough savings to make a bank account or can't pay the fees associated with opening one, so they often choose to stay unbanked and continue to use alternative financial services
[(click-goto:?Page, "P4 Pt 4")][You decide to remain unbanked]
[(live: 1s)[(t8n:"dissolve")[Even though you wanted to open a bank account, you choose to continue to use ] [(text-colour:#76ff7a)+(t8n:"dissolve")[alternative finacial services](t8n:"dissolve")[. This helps you avoid bank fees.](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[732⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
3.5 million out of 7.1 million Unbanked households in the US don't have enough savings to make a bank account or can't pay the fees associated with opening one, so they often choose to stay unbanked and continue to use alternative financial services
[(click-goto:?Page, "P4 Pt 4")][(align:"=><=")+(box:"X")[(live: 1s)[(css: "font-size: 150%;")+(text-colour:#76ff7a)+(t8n:"dissolve")[Congratulations!](stop:)]
[(live: 2s)+(css: "font-size: 120%;")+(t8n:"dissolve")[ you’ve reached the end of The Score.](stop:)]]
[(live: 3s)+(align:"=><=")+(box:"X")[(css: "font-size: 95%;")+(t8n:"dissolve")+(align:"=><=")+(box:"X")[We hope that you have learned something from playing in a simulated scenario of the real world.
---
These financial issues you experienced in the game are real issues that real people face every single day. We hope you understand the daily struggle of everyday people just like you, who suffer because of their finances and lack thereof.(stop:)]]]]
[(align:"=><=")+(box:"X")+(css: "font-size: 200%;")[(t8n:"dissolve")[(css: "font-size: 150%;")+(live: 4s)+(t8n:"dissolve")[This is ](live: 4s)+(text-colour:red)+(t8n:"dissolve")[The Score. ](stop:)][(live: 5s)+(t8n:"dissolve")[This is ](live: 5s)+(text-colour:#FFFF00)+(t8n:"dissolve")[Reality. ](stop:)][(live: 6s)+(t8n:"dissolve")[This is ](live: 6s)+(text-colour:#76ff7a)+(t8n:"dissolve")[Life.](stop:)]]
[(live: 10s)[(t8n:"dissolve")[(text-colour:#FFFF00)+(text-style:"buoy")+(align:"=><=")+(box:"X")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"Credits")(stop:)]]]]
Double-click this passage to edit it.Double-click this passage to edit it.Double-click this passage to edit it.(live: 5s)[(t8n:"dissolve")[You have been given an opportunity to refinance your homes mortgage loan. Do you...(stop:)]]
[(live: 6s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Keep the fixed rate you have right now")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 7s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 8s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Refinance to a variable-rate")(stop:)]]](live: 2s)[(t8n:"dissolve")[Your monthly student loan payment of $200 is due, but you don’t have enough savings to pay for it, so you can...(stop:)]]
[(live: 3s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Miss this month’s payment")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 4s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 5s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Take out a payday loan")(stop:)]]](live: 2s)[(t8n:"dissolve")[You’ve just received news that your new job will be docking your paycheck by $250, which you use to pay for your car each month. Do you...(stop:)]]
[(live: 3s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Change your cars monthly payment plan")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 4s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 5s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Quit your job and find a new one that pays more")(stop:)]]](live: 2s)[(t8n:"dissolve")[Your friend from college is asking to stay with you until they can find a job but they aren’t sure if they can help you pay rent do you...(stop:)]]
[(live: 3s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Ask them for collateral so they are in a secured debt")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 4s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 5s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Let them have an unsecured debt with no collateral")(stop:)]]]
(live: 2s)[(t8n:"dissolve")[Your new car has broken down again but you don’t have enough money in your savings to pay for repairs. Do you...(stop:)]]
[(live: 3s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Leave your car out of commission")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 4s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 5s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Ask your family for the money you need to pay")(stop:)]]](live: 5s)[(t8n:"dissolve")[You finally got a job promotion and your paycheck increased by $25. Do you...(stop:)]]
[(live: 6s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Invest the extra money")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 7s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 8s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Use it to renew a payday loan you use for groceries")(stop:)]]](live: 5s)[(t8n:"dissolve")[You’ve finally gotten an opportunity to help you pay your loan bills on time using auto pay however you don’t have a laptop or smartphone to set it up. Do you...(stop:)]]
[(live: 6s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Use your money to buy a brand new smartphone or laptop")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 7s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 8s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Use a family member/friends laptop or smartphone")(stop:)]]](live: 5s)[(t8n:"dissolve")[A new bank has opened up in your neighborhood but you can’t afford to open a bank account. Do you...(stop:)]]
[(live: 6s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Save up enough money to open a bank account in the future
")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 7s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 8s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Remain unbanked")(stop:)]]](live: 2s)[(t8n:"dissolve")[Your paycheck has just arrived but you need the cash urgently to pay your phone bill you can...(stop:)]]
[(live: 3s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Go cash your check in the bank but pay more for transportation")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 4s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 5s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Get your check cashed at a check cashing place")(stop:)]]]
[You decide to go cash your check in the bank but pay more for transportation]
[(live: 1s)[(t8n:"dissolve")[You lose] [(text-colour:red)+(t8n:"dissolve")[$23.65] (t8n:"dissolve")[ by spending it on transportation since you don't live near any banks](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[(css: "font-size: 130%;")[652⇩](stop:)]]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
Cashing checks in banks can take days and if you live in an area without a bank you'll end up having to pay to get there. Check cashing places offer immediate cash without the wait and overdraft fees of banks.
[Would you like to see another story?]
[(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"Yes",(either:"Person 2", "Person 3", "Person 4"))(stop:)]]](text-colour:black)+(css: "font-size: 140%;")[(live: 4s)[(t8n:"dissolve")[ "Or" ](stop:)]][(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"No")(stop:)]]]
[You decide to get your check cashed at a check cashing place]
[(live: 1s)[(t8n:"dissolve")[You don't] [(text-colour:#76ff7a)+(t8n:"dissolve")[lose](t8n:"dissolve")[ money on transport](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[701⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
Cashing checks in banks can take days and if you live in an area without a bank you'll end up having to pay to get there. Check cashing places offer immediate cash without the wait and overdraft fees of banks.
[Would you like to see another story?]
[(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"Yes",(either:"Person 2", "Person 3", "Person 4"))(stop:)]]](text-colour:black)+(css: "font-size: 140%;")[(live: 4s)[(t8n:"dissolve")[ "Or" ](stop:)]][(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"No")(stop:)]]](live: 2s)[(t8n:"dissolve")[You have received an offer to sell your car for $30,000. Do you...(stop:)]]
[(live: 3s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Sell it and use the money to pay off your car fully")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 4s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 5s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Keep it and keep making your payments as you currently are
")(stop:)]]]
[You sell it and use the money to pay off your car fully]
[(live: 1s)[(t8n:"dissolve")[You finally have enough money to fully] [(text-colour:#76ff7a)+(t8n:"dissolve")[ pay off](t8n:"dissolve")[ the loan](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[763⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
A car is a financial liability because of its costs and recurring expenses like gas and monthly payments so when given the opportunity to pay off debts most people will take it
[Would you like to see another story?]
[(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"Yes",(either:"Person 1", "Person 3", "Person 4"))(stop:)]]](text-colour:black)+(css: "font-size: 140%;")[(live: 4s)[(t8n:"dissolve")[ "Or" ](stop:)]][(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"No")(stop:)]]][You decide to keep it and keep making your payments as you are]
[(live: 1s)[(t8n:"dissolve")[You are unable to continuously pay dues when the time comes, making you grow into more ] [(text-colour:red)+(t8n:"dissolve")[debt](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[709⇩](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
A car is a financial liability because of its costs and recurring expenses like gas and monthly payments so when given the opportunity to pay off debts most people will take it
[Would you like to see another story?]
[(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"Yes",(either:"Person 1", "Person 3", "Person 4"))(stop:)]]](text-colour:black)+(css: "font-size: 140%;")[(live: 4s)[(t8n:"dissolve")[ "Or" ](stop:)]][(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"No")(stop:)]]](live: 2s)[(t8n:"dissolve")[You open your door only to find one of your friends has paid for your weekly groceries leaving you with $75 to keep that you’d usually spend on food. Do you...(stop:)]]
[(live: 3s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Use the $75 to pay for kids toys")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 4s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 5s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Use the $75 to get ahead with your credit card payments")(stop:)]]]
[You decide use the $75 to pay for kids toys]
[(live: 1s)[(t8n:"dissolve")[Even though you like to see your kids happy with the new toys, your credit card fees are due, putting you behind in ] [(text-colour:red)+(t8n:"dissolve")[credit card dues](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[716⇩](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
Getting ahead with payments will benefit the entire family by putting them out of debt quicker, and being able to pay off debt often requires sacrifices like not paying for kids toys which aren't a need but rather a want
[Would you like to see another story?]
[(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"Yes",(either:"Person 1", "Person 2", "Person 4"))(stop:)]]](text-colour:black)+(css: "font-size: 140%;")[(live: 4s)[(t8n:"dissolve")[ "Or" ](stop:)]][(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"No")(stop:)]]][You sell it and use the money to pay off your car fully]
[(live: 1s)[(t8n:"dissolve")[You are able to] [(text-colour:#76ff7a)+(t8n:"dissolve")[ pay off](t8n:"dissolve")[ this month's and next month's credit card dues, which you do.](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[772⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
Getting ahead with payments will benefit the entire family by putting them out of debt quicker, and being able to pay off debt often requires sacrifices like not paying for kids toys which aren't a need but rather a want
[Would you like to see another story?]
[(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"Yes",(either:"Person 1", "Person 2", "Person 4"))(stop:)]]](text-colour:black)+(css: "font-size: 140%;")[(live: 4s)[(t8n:"dissolve")[ "Or" ](stop:)]][(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"No")(stop:)]]](live: 5s)[(t8n:"dissolve")[The government has passed new legislation forgiving all loan debt which means you are now saving $675 a month. Do you...(stop:)]]
[(live: 6s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Use the $350 to get ahead on credit card payments")(stop:)]]]
(text-colour:black)+(css: "font-size: 190%;")[(live: 7s)[(t8n:"dissolve")["Or"](stop:)]]
[(live: 8s)[(t8n:"dissolve")[(text-colour:#76ff7a)+(text-style:"buoy")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 190%;")(link-goto:"Use the $350 to go on a vacation")(stop:)]]][You choose to use the $675 to get ahead on credit card payments]
[(live: 1s)[(t8n:"dissolve")[You are able to] [(text-colour:#76ff7a)+(t8n:"dissolve")[ pay off](t8n:"dissolve")[ 5 months worth of credit dues](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[737⇧](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Good Job!]
Getting ahead with payments will benefit the entire family by putting them out of debt quicker, and being able to pay off debt often requires sacrifices like not paying for kids toys which aren't a need but rather a want
[Would you like to see another story?]
[(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"Yes",(either:"Person 1", "Person 2", "Person 3"))(stop:)]]](text-colour:black)+(css: "font-size: 140%;")[(live: 4s)[(t8n:"dissolve")[ "Or" ](stop:)]][(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"No")(stop:)]]][You decide to use the $675 to go on a vacation]
[(live: 1s)[(t8n:"dissolve")[Yeah you may have had a nice trip, but now the] [(text-colour:red)+(t8n:"dissolve")[credit card fees are due](t8n:"dissolve")[. You realize you don't have enough money to pay it off](stop:)]]]
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[679⇩](stop:)]]
(text-colour:#FFFF00)+(css: "font-size: 150%;")[Oh no...]
Getting ahead with payments will benefit the entire family by putting them out of debt quicker, and being able to pay off debt often requires sacrifices like not paying for kids toys which aren't a need but rather a want
[Would you like to see another story?]
[(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"Yes",(either:"Person 1", "Person 2", "Person 3"))(stop:)]]](text-colour:black)+(css: "font-size: 140%;")[(live: 4s)[(t8n:"dissolve")[ "Or" ](stop:)]][(live: 4s)[(t8n:"dissolve")[(text-colour:grey)+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(css: "font-size: 150%;")(link-goto:"No")(stop:)]]][(live: 1s)[(text-colour: #F4BD00)+(t8n:"dissolve")+(css: "font-size: 350%;")[(text-style: "Outline")[(text-colour: "white")[Credits](stop:)]]]]
[(align:"=><=")+(box:"X")+(live:3s)[(css: "font-size: 200%;")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")[GAME Designer:](css: "font-size: 200%;")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(transition-time: 5s)+(text-colour: #FC4433)[(transition: "pulse")[ Omolola Ayedun]]
(css: "font-size: 200%;")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")[Presentation designer:](css: "font-size: 200%;")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(transition-time: 5s)+(text-colour: #FF9E56)[(transition: "pulse")[ Peace Ocran]]
(css: "font-size: 200%;")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")[Content expert/ presentation manager:](css: "font-size: 200%;")+(t8n-depart:"dissolve")+(t8n-arrive:"fade-up")+(transition-time: 5s)+(text-colour: #138AD9)[(transition: "pulse")[
Laila Ayala]]
(stop:)]]Fact: The average credit score for black people is 677
Good⇧
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[(either: "682⇧", "689⇧", "694⇧", "701⇧")(stop:)]]]
Bad⇩
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[)+(css: "font-size: 130%;")[(either: "671⇩", "663⇩", "658⇩", "652⇩")(stop:)]]]Fact: The average credit score for white people is 734
Good
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[(either: "740", "748", "755", "763")(stop:)]]
Bad
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[(either: "729", "723", "716", "709")(stop:)]]Fact: The average credit score for hispanic people is 701
Good
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[(either: "718", "725", "732", "737")(stop:)]]
Bad
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[(either: "695", "691", "683", "679")(stop:)]]
(text-rotate-z:346)Fact: The average credit score for Asian people is 745
Good
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#76ff7a)+(css: "font-size: 130%;")+(t8n:"dissolve")[(either: "751", "759", "764", "772")(stop:)]]
Bad
[(live: 2s)+(t8n:"dissolve")[Your credit score is now ](stop:)]
[(live: 2s)+(t8n:"dissolve")[(text-colour:#DFFF00)+(css: "font-size: 130%;")+(t8n:"dissolve")[(either: "739", "732", "723", "716")(stop:)]]